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How to Use Klarna to Pay in Installments

Renee Powell

If you’re a buyer in Australia, Spain, the United States, or the United Kingdom, you can pay for certain items on Etsy in installments with Klarna, an online payments company. We hope to offer flexible payment options to more countries in the future.

Most shops on Etsy offer Klarna as a payment method. When you order on Etsy using Klarna, you agree to Klarna’s Terms and Conditions and Privacy Notice, and your payments are made directly to Klarna.

Read Klarna’s Terms and Conditions:

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.

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How to pay using Klarna installments in Australia 

To pay in installments with Klarna as a buyer in Australia, your billing address must be in Australia. It’s also required that you: 

  • Set your location to Australia.
  • Set your language to English (US) or English (UK).
  • Set your currency to AUD.

 Learn how to change your regional preferences.

For orders totaling between AUD $50– $1,000, buyers in Australia can pay in 4 interest-free installments. The order total can include multiple orders from multiple shops.

With this option, you’ll pay the first installment via Klarna when checking out on Etsy. For the remaining three installments, you’ll pay every two weeks, until you’ve paid a total of four times. You won’t be charged interest or fees when paying on time.

How to pay using Klarna Installments in Canada

For buyers in Canada to pay with installments using Klarna, your billing address, must be in Canada. Other requirements that need to be met to use Klarna installment in Canada are:

  • Set your location to Canada.
  • Your language is set to English (UK), English (US), or French.
  • Your currency is set to Dollar (CAD). 

For orders to qualify for Klarna payment installments they must equal CAD $50-$1,000 after any discounts and before shipping and taxes are added. Buyers in Canada will be able to pay for some of their orders at checkout, and buyers are able to shop from multiple items from multiple shops.

Canadian buyers can buy from any seller that accepts Etsy Payments. When paying with Klarna installments you will pay the first installment (one-fourth of the order total) during the checkout process on Etsy. Then you’ll pay the three remaining balances every two weeks until the balance is paid. 

You will not be charged any fees or interest when payments are made on time.

How to pay using Klarna installments in Spain

To pay in installments with Klarna as a buyer in Spain, your billing address must be in Spain. It’s also required that you: 

  • Set your location to Spain.
  • Set your language to Español, English (US), or English (UK).
  • Set your currency to Euro (EUR).

 Learn how to change your regional preferences.

For orders totaling between €50– €1,000, buyers in Spain can pay in 3 interest-free installments. The order total can include multiple orders from multiple shops.

When paying with Klarna installments, you pay the first installment (one-third of the order total) during the checkout process on Etsy. You’ll pay the remaining two installments every four weeks until the balance is paid. You won't be charged interest or fees when paying installments on time.

How to pay using Klarna installments in the US

To qualify for payment in installments with Klarna, the order must be between $50 USD and $10,000 USD after any discounts, and before shipping and taxes. (If an order totals the maximum $10,000 USD, we use the total order value after discounts, shipping, and taxes.) You can order multiple items from multiple shops at once with Klarna as long as the order meets the other requirements.

You can’t combine an Etsy gift card with a Klarna payment or purchase an Etsy gift card with Klarna at this time.

There are two Klarna options available: 4 interest-free installments and Klarna financing.

CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

A late fee charged by Klarna may apply if a payment is not submitted by a due date set by Klarna.

Orders totaling $50 USD through $1,000 USD

For orders totaling $50 USD through $1,000 USD, you can pay with Klarna in 4 interest-free installments*. With this option, you’ll pay the first installment via Klarna when checking out on Etsy. For the remaining three installments, you’ll pay every two weeks, until you’ve paid a total of four times. You won’t be charged interest or fees when paying on time.

CA resident loans made or arranged pursuant to a California Finance Lenders Law license.

Orders totaling $1,001 USD through $10,000 USD

For orders totaling $1,001 USD through $10,000 USD, you can choose Klarna financing*. The payment schedule offered by Klarna may be over 6, 12, 18, 24, or 36 months.

Klarna will determine the payment schedule options and interest rate based on the order total and Klarna’s assessment of your ability to complete the installment schedule offered. Learn more about financing on Klarna.

*Monthly financing through Klarna issued by WebBank, member FDIC.

How to pay using Klarna installments in the UK

To pay in installments with Klarna as a buyer in the United Kingdom*, your billing address must be in the United Kingdom. It’s also required that you: 

  • Set your location to the United Kingdom.
  • Set your language to English (UK).
  • Set your currency to GBP.

 Learn how to change your regional preferences.

For orders totaling between £50 and £1,000 GBP after discounts and before shipping and tax, UK members can pay 3 interest-free installments. The order total can include multiple orders from multiple shops.

When paying with Klarna installments, you pay the first installment (one-third of the order total) during the checkout process on Etsy. You’ll pay the remaining two installments every four weeks until the balance is paid. You won't be charged interest or fees when paying installments on time.

Klarna will report Pay in 3 Klarna purchases made in the UK to credit reference agencies (“CRAs”). 

When Klarna reports to CRAs, other lenders are able to take account of consumers’ use of Pay in 3 when evaluating whether to issue a loan. Klarna reports purchases settled on time, late payments, and unpaid balances for Pay in 3 purchases made on or after 1 June, 2022.  UK buyers can learn more about Klarna’s terms and conditions  and contact Klarna with any additional questions.

Etsy, Inc. and its affiliates act as an introducer and not a lender of unregulated credit products provided by Klarna Financial Services UK Limited. Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply. 

How to use Klarna at checkout

To pay with Klarna:

  1. On a listing, choose Buy it Now or Add to cart.
  2. Select Klarna as your payment method.
  3. Go to Proceed to Checkout.
  4. Review the order and select Go to Klarna.
  5. Create or sign in to a Klarna account and agree to Klarna’s terms and conditions.
  6. Enter the information required by Klarna.
  7. Review the order on Etsy again and select Submit Order.

Klarna will ask for your name, date of birth, billing address, phone number. 

If you’re paying with Klarna Financing (currently for US members only), Klarna will also securely ask for the last four digits of your social security number. Klarna will then determine options for a payment schedule and an interest rate based on the order amount and their assessment of your ability to make installment payments.

Klarna may decline the order. If that’s the case, the option to pay with Klarna will become grayed out in your cart. You can then complete the order using a different payment method. You can try Klarna again with a different order if you like.

For questions and feedback about Klarna, please contact Klarna’s Customer Service team.

I don’t see Klarna as an option

There are a few reasons why you may not see the option to pay with Klarna.

First, you need to create an Etsy account or sign in to an existing one before you can check out with Klarna. 

Make sure your location, language, and currency are correct by scrolling to the bottom of most Etsy pages. Select the country and currency to change them. Learn how to change your regional preferences.

There are also specific order totals needed to qualify for Klarna installments, so you may need to either adjust your cart or select another payment method. 

If your order is within the total requirements for your country and you still don’t see the option to pay with Klarna, one or more shops on the order may not accept Klarna installments as a payment option at this time.

How do I get a refund?

Etsy shops determine their own refund and cancellation policies. If a seller issues you a refund, Klarna will receive that information and issue you the correct portion of the refund.

If you’re having a problem with an order, learn how to report a problem to Etsy.

If the shop has refunded you, but you’re still not seeing the refund, contact Klarna’s Customer Service team.

How do I check my payments and schedule?

Sign in to your Klarna account on the Klarna app or via Klarna's website to check your payment schedule, and contact Klarna’s Customer Service team with further questions.

You can also check your email account for an email from Klarna containing your payment schedule. If you don’t see it, be sure to look in your spam folder or trash history.

A late fee charged by Klarna may apply if a payment is not submitted by a due date set by Klarna.

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